- Industria: Banking
- Number of terms: 304
- Number of blossaries: 2
- Company Profile:
A financial institution that serves individual customers to large corporations with banking, investing, asset management and other financial and risk management products and services.
The rate at which money is exchanged from one transaction to another, and how much a unit of currency is used in a given period of time. Velocity of money is usually measured as a ratio of GNP to a country's total supply of money.
Industry:Financial services
The act of discounting a short-term negotiable debt instrument for a second time. Banks may rediscount these short-term debt securities to assist the movement of a market that has a high demand for loans. When there is low liquidity in the market, banks can generate cash by rediscounting short-term securities.
Industry:Financial services
Requirements regarding the amount of funds that banks must hold in reserve against deposits made by their customers. This money must be in the bank's vaults or at the closest Federal Reserve bank.
Industry:Financial services
Capital reserves held by a bank or financial institution in excess of what is required by regulators, creditors or internal controls. For commercial banks, excess reserves are measured against standard reserve requirement amounts set by central banking authorities. These required reserve ratios set the minimum liquid deposits (such as cash) that must be in reserve at a bank; more is considered excess.
Industry:Financial services
A balance sheet item representing funds set aside by a company to pay for losses that are anticipated to occur in the future. The actual losses for the earmarked funds have not yet occured, but the general provisions account is counted as an asset on the balance sheet. For banks, a general provision is considered to be supplementary capital under the first Basel Accord.
Industry:Financial services
An institution, usually a country's central bank, that offers loans to banks or other eligible institutions that are experiencing financial difficulty or are considered highly risky or near collapse. In the U.S. the Federal Reserve acts as the lender of last resort to institutions that do not have any other means of borrowing and whose failure to obtain credit would dramatically affect the economy.
Industry:Financial services
The charge for the privilege of borrowing money, typically expressed as an annual percentage rate.
Industry:Financial services
The amount of money available to be borrowed by an individual or a company is referred to as credit because it must be paid back to the lender at some point in the future. For example, when you make a purchase at your local mall with your VISA card it is considered a form of credit because you are buying goods with the understanding that you'll need to pay for them later.
Industry:Financial services
“狭义货币”的对称。狭义货币（M1）加商业银行定期存款的总和。由于各种定期存款一般可以提前支取转化为现实购买力，把它算作货币，可以更全面地反映货币流通状况，便于分析和控制市场金融活动。依此类推，储蓄存款、可转让定期存单、易转手的短期债券等作为具有通货性质的准货币，也可按其流动性状况囊括进来，通常用M2、M3等作代号进行分类统计，依次递增的准货币在流动性上依次递减。各国中央银行对这些分类指标的规定有所不同，广义货币分类指标的多少在一国经济、金融发展的不同时期也不尽相同。中国中央银行目前采用的分类方法如下：M2=M1+城乡居民储蓄存款+企业存款中具有定期性质的存款+信托类存款+其他存款广义货币的供应量是中央银行的一项货币供应量统计指标。
Industry:Financial services
“广义货币”的对称。流通中现金与商业银行活期存款的总和。构成狭义货币的现金，是法定通货的存在形式；商业银行的活期存款，存款人随时可签发支票进行转让或者流通，具有支付手段和流通手段两种职能，是狭义货币中的存款通货。狭义货币一般用字母M1来表示：M1=M0（流通中货币）+企业活期存款+机关团体部队存款+农村存款狭义货币的供应量是中央银行制定及执行货币政策的主要观测依据。
Industry:Financial services
